Ghana has maintained its status as the global leader in mobile money regulation, solidifying its standing as one of Africa’s most developed digital finance markets.
Ghana has once again emerged as the global leader in mobile money regulation, according to the 2025 Mobile Money Regulatory Index by the GSMA. The country scored 96.10%, up from 95.06% the previous year, in a ranking covering 90 nations.
In a statement on 20 February, the Bank of Ghana highlighted that the rise reflects sustained efforts to create a “world-class regulatory environment” that promotes innovation while advancing financial inclusion. The bank noted that strong oversight and progressive policies within the mobile money sector are key to protecting consumers and ensuring operational integrity.
Ghana’s consistent top position has attracted global attention as governments seek to expand digital payments and integrate more citizens into formal financial systems. Mobile money remains essential across Africa, where traditional banking access is limited.
The central bank reaffirmed its commitment to collaborating with industry stakeholders to strengthen policies that sustain growth and drive a fully inclusive, digitally empowered economy.
The latest ranking reinforces Ghana’s role as a benchmark for mobile money regulation at a time when fintech governance is increasingly scrutinized worldwide.